Certificate Accounts

For more information, call (877) 732-2848.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Learn more about NCUA Insurance.

APY=Annual Percentage Yield. All dividend rates and Annual Percentage Yields (APYs) published above for certificates are the anticipated rates and yields for the current period. APYs assume that dividends will remain in the account until maturity. A penalty will be imposed for early withdrawal. See your account disclosure for complete details. Dividend rates, APYs and terms subject to change without notice. These products and promotional certificates listed above are not available for chartered financial institutions or accounts. Fees could reduce earnings. Certificates must be funded within 7 calendar days. Any accounts not funded within that time will be automatically closed. Consult your tax advisor. Your funds at SDCCU are federally insured to at least $250,000 by the National Credit Union Administration (NCUA). IRA deposits are separately federally insured to at least $250,000 by the NCUA. For business savings rates, visit our Business Deposit Rates page. 

Early Withdrawal Penalties – A penalty will apply for principal withdrawals of certificate made prior to maturity. If the account has an original term of one year or less, the penalty equals 90 days’ dividends. If the account has an original term of greater than one year, the penalty equals 180 days’ dividends. Penalties for early withdrawal may be applied against principal thereby reducing the principal balance. Penalty-free withdrawals are only allowed for required minimum distribution (RMD) of IRA certificate funds held at SDCCU, for members who have reached the mandatory distribution age, or as required by law. Refer to your plan disclosure and consult with a tax professional if this certificate is part of an IRA or other qualified plan for information regarding other tax consequences and other penalties that may apply.